TwelveAI logoTwelveAI
TwelveAI for you

Your bank, in a conversation.

Send money, buy airtime, pay bills, hold dollars, swap at live rates, and spend with virtual cards, all by chatting. In the TwelveAI app, or right inside WhatsApp.

Download on AndroidGet started on WhatsApp

TwelveAI is a financial technology company, not a bank. Services provided by regulated partners.

Person using the TwelveAI app
“Swap $200 to naira”
Done. ₦308,400 credited.
Everyday money

One chat for all of it.

Send money

Transfer to any Nigerian bank in plain language, with instant in-chat receipts.

Airtime & data

Buy MTN, Airtel, Glo, and 9mobile in seconds.

Pay bills

Electricity, DSTV, GOtv, and internet, all from chat.

USD accounts

Hold and receive dollars, with balances right in the thread.

NGN ↔ USD swaps

Convert at live rates, or set auto-swap rules for incoming dollars.

Dollar cards

Create virtual USD cards for subscriptions and global checkout.

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TwelveAI
Buy ₦2,000 MTN airtime for 0803 123 4567
Done. MTN recharge successful for 0803 123 4567.
What is my USD balance?
Your available USD balance is $1,240.50.
Swap $200 to naira
Done. ₦308,400 credited at the live rate.
Works on WhatsApp

Bank in a chat you already use.

  • No new app to install, bank inside a chat you already use
  • Send money, buy airtime, and pay bills in plain language
  • Check balances and pull receipts right in the thread
  • Same verification and confirmation steps as the app
Start on WhatsAppDownload the app
Dollars and cards in TwelveAI
Dollars, made simple

Hold, swap, and spend USD.

Receive and hold dollars, convert to naira at live rates, set auto-swap rules for incoming USD, and create virtual dollar cards for subscriptions and global checkout, all from chat.

USD accountsLive-rate swapsAuto-swap rulesVirtual dollar cards

Get started in a minute.

Download the app or send us a message on WhatsApp. No forms, no queues.

Download on AndroidGet started on WhatsApp